Home Credit: Pay for a loan will have to anyway. Home Credit and debtors Home Credit How to come with debtors

Debt accumulation is fraught with negative consequences for the borrower. The lender is forced to take action - to attract their own department to work with debtors or sell debts. The goal is to comprehend the borrower to repay the loan and thus "unload" the credit statement of the financial institution. Below, consider who sells debts to Home Credit Bank, and what to do in such a situation debtors.

What is fraught with debt to home loan

With the accumulation of large debts and the impossibility of its recovery by its own forces, the Bank is forced to sell the debt to the collector firm. Prior to this, there is an internal lender service, offering the client different repayment options. With the emergence of financial difficulties, the lender is ready to meet the lender. According to the results of discussion, the problem will be a revision of the schedule, the provision of vacation (only interest is paid), restructuring.

Common Causes of Debt Before Home Credit Bank:

1. Reducing earnings (loss of work).
2. The deterioration of the financial condition on force majeure circumstances.
3. Health problems forcing to contact the hospital, disability loss.
4. The appearance of a child to light and so on.

When debts, the home loan cannot be hidden from the banking institution. On the contrary, it is important to come to the office and directly talk to the representative of the lender on the circumstances. It is necessary to have paper confirming the deterioration of the current situation.

Even if the bank does not make concessions, the fact of circulation of the borrower testifies to its integrity. This is a big plus if it comes to a trial.

Who sells debts in the home loan bank in the absence of payment

If the internal measures of exposure do not give the expected result, the debt is transmitted to collectors. As a rule, this concerns hopeless borrowers who ignore the obligations to the bank within 1-2 years and more. Such customers do not come to contact with the aim of waiting for the passage of the limitation period (three years).

The sale of financial obligations leads to the fact that debts before the bank home loan increase even more. This is due to the accrual of collectors on the amount of debt of its increase covering internal costs.

To avoid difficulties in communicating with collector firms and do not pay a greater amount, it is better to immediately go to the bank. Credit organizations are interested in returning funds, so in the absence of options, they will meet.

What to do if debt recovery in front of the home loan is transmitted to collectors

With the advent of the new law in 2017, the possibilities of collectors were limited. But this does not prevent them from using all available methods and psychologically pressing the debtor. Personal conversations, calls, sending SMS messages - Only a part of the tools used to recover the debt.

If the Home Credit sold the debt to collectors, the borrower is important to take into account the following:

1. The lender is obliged to inform the client about his intentions. In the absence of a confirmation document, it is important to personally come to the financial institution and confirm the company's action.
2. The collector must submit an agreement with a financial institution confirming the transfer of the right to debt claims. The document must be information about the agreement of the agreement, the name and the amount of delay.
3. The representative of the collector firm does not threaten or act with illegal methods. In the presence of such circumstances, it is important to immediately go to the police with a statement. It is advisable to immediately stock with evidence, testifying to the presence of violations.

The transfer of money to the collectors' account is possible only after the measures mentioned above.

If debts before the bank are not paid - what will

When ignoring obligations and increasing the amount of debt to large sizes (taking into account the penalties and fines), it turns out to be in court. This is not the worst option for the borrower. It allows you to fix the debt, and with a successful coherent circumstance, write off part of fines and penalties. As for the "body" of a loan and interest, they will still have to pay. To achieve forgiveness of the maximum amount, it is important to enlist the support of specialists in the legal sphere.

We continue to disassemble and fear credit letters of happiness that collectors and banks send us. And this time, come on with you to fell from notice of the beginning of forced recovery, which sews a home loan bank He is the HCF he is a hamster. Well, what is ready to be afraid? Go.

Immediately I want to note that the letter is impolite and simply written by the FULL NAME of the borrower and "nor to do not give a shit" speaks about gross violations of obligations on the timely transfer of money. The CCF-Bank suggests that he has already prepared documents to forced recovery. Damn, I'm scared, and you? Moreover, bankers say that the amount is final and the full repayment of the loan is required.

Well, then somehow sharply pass to the fact that when the documents fall into court, the borrower will pay not only the debt on the loan agreement, but also legal costs are a state fee. And besides, a 7% executive fee will be added to the amount, which is paid by the bailiffs. Yes, it is a pure truth, but let's consider how the only it is.

• The amount required by the bank is 8774.73 rubles. A fortune!
• State duty - 400 rubles. TOTAL together with the state duty of the debt on the loan - 9174,73 rubles
• Executive fee of 7% - 642.23 rubles. Total all together - 9816.96 rubles. Difference - 1042,23 rubles.

For a whole thousand rubles you will pay more after the trial, when the case will be at the bailiff! And the bailiff you can pay voluntarily, of course, if you use all legal instruments that are in the survival school and secure your property and source of income. For example, you pay a bailiff for 500 rubles per month, and maybe even 300. Come on 300? You will need 33 months to repay the debt. And for this you pay 1042,23 rubles. This is 11.8% of the amount of the debt for 33 months, which means 4.29% per annum. Not bad? In my opinion it is very loyal and not scary if you figure it out.

1. Well, let's be afraid further. It is said that movable and immovable property will be arrested after the trial. Blocking accounts. The right, of course, but those who in the survival school already know how to protect both the property and money in the accounts.
2. Then they threaten that there will be a ban on the use of all credit cards. Oh God! This is something new. Full nonsense - no one will touch your credit cards in other banks. Only debit can be arrested and then we know how to cope with it.
3. Well, further the classic - the bulk of the criminal - Art. 159.1, 165, 177 of the Criminal Code of the Russian Federation - on why it is not applicable and what to do if the Bank still appealed to the police - several instructions have long been in the extension school for a long time.
4. Well, at the end, they say that they can sell your debt on the loan to third parties, for which they allegedly do not handle. But we have previously disassembled, why it is ridiculous and you should not be afraid of such threats that the bank will sell your debt collectors - if forgot, look at the link.
5. Well, at the end it doesn't even matter that there is no signature, but just a home loan bank says that you need to urgently call Marina Viktorovna and pay the debt so that all this terrible can be avoided.

I hope that you are no longer scary and you understand that you need to protect property and source of income and calmly wait for the court that you can pay so diligently and the bailiff you can pay voluntarily as you can. I hope the information was useful for you - if so, then put a husky and share with friends so that they are also not afraid of ships with banks and their debts on loans. And in the comments, write whether you have a court with a home loan bank and how you feel after it.

Large loan arrears in most cases end in trial in court. In what cases for the delay of the loan is the lawsuit? What if the bank filed a loan? How to behave borrower, knowing that the bank is preparing a lawsuit? Answers to these questions are given in the article on the example of the bank home loan.

When does the Bank submits for non-payment of a loan?

The more significant the amount of debt (this refers to the mortgage, car loan and long-term loans), the greater the likelihood that the case will end in court. But the basis for filing a lawsuit against a defaulter is not always a certain amount of debt. Home Credit Bank more draws attention to the period of delay.

Home loan rarely uses collector services. Most often, the Bank submits to the court for non-payment of the loan. Other, larger banks, due to debt to 100 thousand rubles. Most likely will not file a lawsuit, and to return the money to turn into your own security service or to collectors. The Bank has a Houm Credit, there are cases when he filed a loan for a loan of 35 thousand rubles.

However, the bank is not always beneficial with a minor debt to apply to the court. This is caused by:

• after filing the claim, the lender is obliged to stop the accrual of fines and penalties;
• the borrower will repay the arrears on the executive list monthly, small sums and without paying penalties.

If the amount of credit debt is small, the bank will wait until a significant amount of penalty is accumulated, it will try to achieve its repayment by resorting to the help of collectors. Only after that a home loan sueres. To stop this process, it is possible to submit a personal statement to the bank with a request to apply to the court.

Home Credit sues. What to do?

In 90% of cases, the court decides on a problem loan in favor of the Bank. The borrower as a result of a trial can only reduce the amount of debt.

To reduce debt to the most possible amount, it is necessary:

• find a competent lawyer;
• attend the court session personally;
• collect the necessary paper.

In addition to the main loan documentation (contract, payment of payment, additional agreements, etc.), it is important to have documentary facts explaining the delay. It can be:

• wage certificate, where it can be seen that it is below the former;
• labor book with a record of dismissal;
• certificate of birth of a child;
• training payments;
• certificates from medical institutions and checks from the pharmacy.

The main task is the facts to confirm the change in its income in a smaller side. Recalling Article 451 of the Civil Code of the Russian Federation, the borrower explains why the terms of the contract cannot be observed.

Home Credit: Court decision and execution

After making a loan loan on a problem loan, the executive list is sent to the debtor, where the sum of the debt repayment is indicated. If borrowers ignore the decisions of courts on loans, they come to them a bailiff (the performer) is often accompanied by a representative of the bank.

The purpose of the bailiff is to explain the recovery measures and present the relevant documents to the debtor (the court decision, the executive list). In case of refusal to carry out the decision of the court, the following measures may be taken by the executive bodies:

The last option applies to debtors who refuse to repay the debt and do not have official income. This is a sufficiently long procedure associated with the description of personal property and the lawsuit.

From wages can be held no more than 50% of income on the executive list. If a person has several types of income at once (for example, a salary and pension), then from each payment, the judicial executor may collect a maximum of 50%.

1. If for some reason you allowed the accumulation of big debts and do not want the Bank to sue the loan, you can:

• to revise the contract by changing the periods of payment or receiving a deferment on the payment of debt, temporarily reimbursed only percentage and penalties;
• develop refinancing (dedication in another bank) of the loan;
• get a "credit holidays" (for this it will be necessary to provide the Bank for the provision of really good reasons: certificates from medical institutions with receipts about paying for treatment, a labor book with a record of dismissal and other).

2. When communicating with collectors, do not go to the provocations and do not report our intentions to sell property, do not specify the amount of debt in conversation, agreeing in advance with this value.

3. On the trial it is necessary to show its readiness to resolve the conflict. Recognize debt and competently argue the reasons for its appearance. When the judge gives you the Word, ask for a deferment of debt repayment and offer representatives of the Bank to issue a loan restructuring agreement.

4. Remember that the court decision comes into force only after it is received by the plaintiff and the defendant. Therefore, if you didn't have enough for repayment of debt, only a few days - take advantage of this.

5. The judicial decision on the arrest of property can be appealed or demanding its suspension. This applies to cases where the arrested property belongs not to you, but to relatives or is not shared. While the decision will be suspended, you can file a claim about the division of property.

The debt collection service of the Home Credit is the structural division of the institution, which is engaged in interaction with borrowers who avoid payments.

Reviews and features of the structure of the recovery service

The debt collection service is a home loan, the reviews about which is predominantly negative, leads its activities on a clearly prescribed scheme. The staff consists of about 600 people, the main activity of which is aimed at telephone cooperation with debtors.

Graduation of employees

As the leadership says, employees undergo special training and are gradually several levels:

• Newbies: work with the debtors of the "first" level with minimal periods of delay.
• Specialists: affect debtors, several months evade payment.
• Experts: refer to the category "Hard". They come into negotiations when the borrower ceases to respond to phones, rollers or openly refuses to pay debts.

Teaching frames

According to employees, the recovery service of the home loan is not the best place for career growth. It happens inside the "skills", i.e. According to the degree of gradation. Having reached the last stage, a citizen advantageously sees the prospects and often dismissed. New employees note the difficult specificity of the work (in moral terms) and also often think about changing the place, because per day for the entire recovery department of the home loan, there is a need to treat about 190 thousand contracts. The fluidity of the service is today about 20-30%.

The debt collection of the bank home loan comes into operation directly from the first month of delay. With the gradual transfer of the client on skills, an understanding of the debtor's intentions is achieved. In the absence of the result, a long time is the transfer of a claim to judicial bodies.

The procedure for the debt collection service

As in any credit institution, the process of working the debt collection of Home Credit is regulated and divided into several stages.

Diagram of interaction with debtors

1. Professional drawing up to 30 days. There is a reminder that the borrower missed the payment and the penalty is accrued. They advise paying the debt so that the fines are not accrued. Usually, the reasons are: the client has forgotten, fell into extraordinary circumstances or did not receive a timely salary. Therefore, the recovery officer clarifies the date when he is ready to make a payment and contributes to the base.
2. In the absence of payment in a few weeks, the second level employees are repeated. This is expressed in a reminder of the use of fines, as well as about making an appropriate mark on credit history, which will subsequently reduce the chances of the borrower to get a loan in any institution. Human loan recovery telephones work on feedback. The borrower can always call and agree on a personal meeting to resolve the issue.
3. In the absence of a reaction, the "case" of the client is transferred to subsequent departments whose employees have more experience and undergo appropriate training to communicate with "malicious" non-payers. Often, at this stage, it is also offered to repay all the size ahead of time, because the borrower fell into the number of unaffected persons. At the same time, they offer a discount of 20% for the entire amount when negotiating a new schedule.
4. There is an appeal by the numbers specified in the client's application (to work, relatives) if the client evades conversations.

Main interaction tool

As can be seen, the phone for the recovery service of the bank Home Credit is the main means of communication with borrowers. Departure of the employee is possible at the place of residence only with the aim of finding a client if the numbers are not available.

It is clear that the recovery service Home Credit Reviews gets impartial in mind the specifics of activity. But there are complaints and on individual employees who allow you to stop incorrect communication. The leadership of the structure insists in resolving such moments and trying to prevent violations.

Bank Home Credit, like any structure, attracts specialized agencies to recover debts. At Home Credit collectors can be different, and methods for their interaction with clients are different.

Debt transfer procedure collectors

Stage when a home loan sold the debt to collectors, is considered the last. Before that, there is a number of events and the recovery service of the Bank itself comes into operation. It is searching for ways to interact with debtors and effects a moral nature to awaken responsibility.

Causes of loan non-payment

If the client does not have the ability of a significant reason to make payments, the bank is ready to revise the repayment schedule, provide a delay or launch the restructuring program. Such may consider:

• Loss of permanent earnings (dismissal);
• Changing the financial situation of the family for unforeseen circumstances;
• Finding or temporary loss of performance;
• Birth of a child.

Faced with the problem, it is recommended not to wait for any measures, but to independently approach the department and explain the situation. It is better to have documentary confirmations that attach to the application. You need to achieve to take it. If the institution does not go for concessions and does not offer solution options, the customer timely appeal will say about its respectable position. This is useful including in court if it comes out.

Debt transfer procedure collectors

Home loan collectors transfers debts starting with the most problematic. These include accounts that are not repaid by the borrower for several years, and he himself deviates from conversations, possibly changing the contact details and even place of residence. The sale itself occurs in an open order with the help of a tender.

Burneding a certain amount of obligations of the Organization have the right to accrue on the amount of debt of the borrower of its increase, which covers their costs associated with conducting activities.

In order not to deal with such institutions and not overpay later because of their surcharges, it is still possible to interact with the bank himself and try to resolve all questions with him.

Features of interaction with collectors

Home Credit Banks Bank, whose feedback is very diverse, start their contact via telephone handling.

Communication rules in collectors

The debtor should be remembered by the basic rules:

• The bank must notify the borrower on the transmission procedure. If this did not happen before the "appearance" of the collector, it is worth visiting the department and make sure the legality of the actions of a particular company in relation to you.
• The collector should have a contract with the Bank on the transfer of debt, indicating the number of the contract, the surname and the magnitude of the delay.
• The collector has no right to threaten and accept illegal actions against the debtor. Faced with this, you should contact the police complaint, preferably watched by evidence (for example, writing a telephone conversation).
• List the funds to the account specified in the collector's letter is not needed until you make the legality of their actions.

Principles of debt collection

It depends on how the home credit is working, the principles of recovery can differ significantly. In particular, there is a pleasant interaction experience when collectors offered a convenient scheme and write-off part of fines. For a respectable borrower, this option will be acceptable. There are cases when contacts with the agencies occurred almost with a violation of the law, including threats and obsessive telephone circulation.

Appeal to the Court

Sometimes, if the client's debt converts all the normal framework due to constantly accrued fines and penalties, the borrower was easier to wait to court. Such a solution often allows you to significantly lower the overall value. The amount of the loan will always be required, taking into account interest, the remaining penalties of the court may cancel if the borrower proves its integrity.

conclusions

Considering how the collectors work from home loan, and feedback confirm this, it is mostly waiting for a trial that is not easy. Typically, the extent collectors are resorted after a long exposure, without having other opportunities to solve the problem.

The borrower has an option to apply to the court to get rid of the obsession of companies. At the same time, it is worth gaining an experienced lawyer in such affairs, which will help to reduce the amount of debt. This will remove obligations on legal grounds.

Facebook.

Twitter.

In contact with

Odnoklassniki.

Google+